XZ Guarantee Company Guarantee Risk Control Study

China's small and medium-sized enterprises(SMEs)have made significant contributions to social and economic development.However,due to the small scale of small and medium-sized enterprises,weak comprehensive strength,poor ability to resist risks,and lack of sufficient collateral,the problem of “financing difficulties” for SMEs has not been effectively solved for a long time.The guarantee company provides a major path for SMEs to solve financing problems and plays an important role in improving the financing environment for SMEs.However,due to the imperfect laws and regulations of China's guarantee industry,the imperfect credit system of SMEs and the omission of management of the guarantee company itself make the guarantee company face huge guarantee risks.In recent years,the bankruptcy cases of China's guarantee companies have been numerous,and the tide of bankruptcy has spread across the country.However,domestic and foreign scholars' research on guarantee risk mainly focuses on the connotation,influencing factors,management mechanism and control mode of guarantee risk.There are relatively few researches on the main problems and countermeasures of Guarantee Company's guarantee risk control.Therefore,how to effectively reduce the guarantee risk of guarantee companies has become an important issue that needs to be solved in the academic and guarantee industries.Based on the above background,this paper takes XZ Guarantee Company's guarantee risk control problem as the research object,applies relevant risk control theory and field research method,questionnaire survey method,literature data method and qualitative quantitative analysis method to the current situation of XZ Guarantee Company's guarantee risk control.The problem and its causes have been studied in depth.Through research,it is found that the current XZ Guarantee Company mainly has four problems: the customer credit rating is not accurate,the guarantee risk decision quality is not high,the guarantee risk early warning response is lagging,and the guarantee risk disposal measures are weak.The main reasons for these four problems are: the customer credit rating method is imperfect,the guarantee risk lacks scientific decision,the guarantee risk warning function is imperfect,and the guarantee risk disposal mechanism is not perfect.In view of the causes of these problems,this paper proposes four targeted solutions to form the main research conclusions.(1)Improve customer credit rating methods.Through the improvement of customer information collection channels and the establishment of customer credit rating correction methods,the company's customer credit rating management methods can be improved as soon as possible,effectively solving the problem of insufficient customer information collection and uncorrected customer credit ratings,thereby improving the accuracy of corporate customer credit ratings.(2)Improve the quality of guarantee risk decision-making.By designing the scientific decision-making process and applying the scientific decision-making method of guarantee risk,the quality of guarantee risk decision-making can be greatly improved,and the problems that the company's guarantee risk decision-making procedure is not rigorous,the guarantee risk decision-making method is relatively old and the guarantee risk decision-making quality is not high are effectively solved.(3)Improve the warning function of guarantee risk.By improving the guarantee risk timely warning function and the guarantee risk forward-looking warning function,the company's guarantee risk early warning function can be improved as soon as possible,effectively solving the problem that the company's guarantee risk early warning response is lagging,such as insufficient risk warning is not timely enough and risk warning is not forward-looking.(4)Improve the security risk disposal mechanism.Through the improvement of the guarantee risk avoidance mechanism and the guarantee risk sharing mechanism,the company's guarantee risk disposal mechanism can be improved,so as to effectively solve the problems of less corporate guarantee risk avoidance measures,limited guarantee risk sharing targets,and weak guarantee risk disposal measures.